This post will explain the ins and outs of learning how to write a credit card debt settlement letter, provide a list of links to pre-written credit card debt settlement letters, and also go over some things that you should know about the credit card debt settlement process. Let’s get started.

Sample Credit Card Debt Settlement Letter

Here is a sample credit card debt settlement letter that you can customize as you see fit for your specific situation:


[Your Full Name]
[Your Address]
[Your Phone Number]
[Your Credit Card Name]
[Your Account Number]

[Name of Credit Card Issuer]
[Address of Credit Card Issuer]

Dear [Credit Card Issuer Name],

I am writing this letter in regards to my [Name of Credit Card] with the account number of [Your Credit Card Account Number]. I am in the middle of wide ranging financial complications and turmoil and find myself in a situation where I have multiple creditors and am unable to pay off this credit card in full or continue on the current payment schedule.

I am sincere in my desire to want to do the best that I possible can to pay off this debt as fast as I can and in a manner that would work for both parties. I have very limited funds and have multiple debts that I am in the midst of negotiating. In order to make sure that I am able to commit some of my limited funds to this credit card rather than nothing at all I would propose to pay [Your Proposed Settlement Amount] as full settlement for my credit card debt. If you can agree to this amount and would agree to remove all penalties and fees in writing then I can commit to sending in this amount by [Date You Will Send in Payment] in the form of a cashier’s check or a money order.

If you find the above proposed settlement terms acceptable to you then please respond by either sending me a signed copy of this letter or a signed letter acknowledging your acceptance of these terms. Thank you in advance for your understanding.


[Your Signature]
[Your Full Name]

List of Sample Credit Card Debt Settlement Letters

Here is a list of links to other websites that will give you many different types of credit card debt settlement letters to look through and customize for your own use:




To learn more about credit cards, free credit scores, and how to use credit cards responsibly then read this article entitled when to settle credit card debt and then visit our home page to use our free credit card “Chaser” tool.

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